City of North Ridgeville


No Interest Loan for
Water Tap-in Fees

The City of North Ridgeville currently offers a program to help residents with the financing of Water Tap-In Fees. Program details and requirements are outlined below: 
  • Only owner-occupied residential property owners can participate in the Program. Commercial properties and rental properties where the owner does not reside are excluded. 
  • The term of the loan is 60 months (5 years) for a newly constructed line, or 36 months (3 years) for an existing line. The term of the loan for a newly constructed line may be extended to 120 months (10 years) for very low income households (please contact the Treasurer's Office for more information). Proof of Income level is required. 
  • The City will file a lien on the property to secure repayment of the loan until it is paid-off. This lien must be at least second in priority on the property. 
  • There is a $50.00 application fee that is due at the time the loan paperwork is signed. This fee covers the cost of filing the lien and removing it when the loan is paid-off.
  • Participants will receive a separate billing each month for the monthly loan payment. This billing will arrive and be due at the same time as the regular water/sewer/refuse billing. 
  • Participants may be subject to interest charges if payments are not made in a timely manner. 
  • The loan may be paid-off at any time with no penalty.


If you are an owner-occupied residential property owner and wish to take advantage of this Program, all you need to do is bring a copy of the legal description of your property and your contact information to the City Treasurer's Office at City Hall. It will generally take about ten business days to prepare a Promissory Note and Mortgage Deed. When these documents are ready, you will be contacted to set-up a time when the listed property owners can sign the documents and have them notarized. After the documents are signed and notarized, the property owners can pick-up their Tap-in permit at the Utilities Department during regular business hours.
© 2022. City of North Ridgeville – 7307 Avon Belden Road, North Ridgeville, OH 44039 – 440.353.0819